Just like your friends with massive credit card debt may have nicer clothes than you do, your friends who aren't house hacking will have more space, privacy, and comfort in their own home.

-Asset protection and privacy from creditors in an event one has a claim against you since the contract is held in similar fashion to a trust so its not claimed on your tax returns or publicly displayed -Funds withdrawn or borrowed from the plan can be used for any purpose you can think of with out restriction -Quick access up to 95% of all funds available in the cash value relatively quick (1-2 weeks) via withdrawal or policy loan -Excluded from counting as an asset when applying for student loan or financial aid -High Contributions are allowed unlike 401k or IRA’s which have strict contribution, income limits, and rules- Death benefit creates an instant estate as of today 5.34 Million is the estate tax limit before your assessed with a 40% death/gift tax on assets over this amount

The last time I contemplated a crashpad in Houston, I was thinking private rooms throughout the place for the older, more privacy sensitive pilots I knew (along with a much higher rate), but I never got that far.